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Christmas Loans

Thank You for Your Interest in Our No Credit Check Christmas Loan!

Our Christmas loan is for $1,200 @ 18% interest rate with a $35 processing fee and the payments are around $118 for 12 months and are set on automatic transfer from your direct deposit.

Please take an application, fill it out and return to the office, drive thru, by mail (600 19th Ave, Meridian, MS), by fax 601-693-5118, or by email

We will be processing the applications in order received and we will be calling to set up an appointment time for you to come back and complete the paperwork and/or email you the final documents.

When you return the application, please attach your proof of income (last two paychecks stubs, your benefit/award letter or bank statements for Retirement, Social Security, VA, and Disability income). We must have your proof of income.

The following are the requirements for the Christmas Loan:

  • You must be an active member for one year 
  • You must be employed for one year (we will verify) or receiving government funds for one year.
  • You must have a positive checking balance (if you are in the negative, we can clear the overdraft out, but you will lose your overdraft privilege)
  • You must be current on all other loans with 1st MS
  • You cannot have a charge off account with 1st MS
  • You must have direct deposit with 1ST MS
  • You cannot currently be in bankruptcy and you cannot currently have your wages garnished.

If you have any questions, you may reach the loan department @ 601-693-6873 option 3. We look forward to helping you!

Deadline for applications is December 31st, 2023

Christmas Loan Application